38235 Etienne Drive
Palmdale, CA, 93552
$645,000
MLS: 26002089
Beds
4
Baths
3
Sq Ft
2,632
Lot
0.17 ac
Year Built
2022
MLS #
26002089
Days on Market
36
Listed
Mar 12, 2026
Description
***BETTER-THAN-NEW • LUXURY UPGRADES THROUGHOUT • PAID-OFF SOLAR • NO HOA*** Step inside and experience the formal entry leading into wide-open living spaces. The main floor includes a full bedroom and bathroom, perfect for guests or multi-generational living. The heart of the home is the luxurious kitchen, featuring Café Wi-Fi appliances (negotiable, valued over $10,000), walk-in pantry, center island with quartz countertops, buffet area, and designer backsplash, all open to the family room. Upstairs, the loft/second living space provides flexible additional space, ideal as a fifth bedroom or secondary living area, along with another full bathroom. The primary suite is a private retreat, filled with natural light, featuring a spa-inspired bathroom with dual vanities, walk-in shower, and generous walk-in closet. The upgraded backyard offers two perfect scenarios: a covered sitting area for relaxing and entertaining, and an open space with a play area, all designed for low-maintenance living, including the front yard. Located in a new, highly desirable community with nearby shopping, convenient freeway access, and proximity to aerospace and work industries, all just over an hour to Los Angeles and California beaches. STOP THE CAR -- YOU DON'T WANT TO MISS OUT! ASSUMABLE VA LOAN OPPORTUNITY Buyer may have the opportunity to assume the seller's existing VA loan at a favorable interest rate, subject to lender approval and VA eligibility requirements. Buyer must bring in approximately $100,000 to cover the difference between the loan balance and the purchase price. This is a great opportunity for qualified buyers to potentially secure below-market financing. Contact listing agent for details.
Location
Palmdale, Los Angeles County, CA 93552
Open on Google Maps ↗Also listed on CRMLS · MLS# SR26054529
Listed by: Charla Gonzales · Sync Brokerage, Inc.
Payment estimate
$4,891
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $64,500 · Loan: $580,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,677
- Property tax (1.25%)
- $672
- Homeowners insurance
- $300
- Mortgage insurance
- $242
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Palmdale, CA in context
Palmdale runs the gamut from the foothill estates of West Palmdale (93551) — Rancho Vista, Anaverde, and the desirable hill-side communities — to the value-priced newer construction of East Palmdale (93552). Central Palmdale (93550) covers the original part of the city and the Civic Center, and 93591 picks up the Llano border. Active listings across all four ZIPs are below. If you are evaluating homes in Palmdale, Mike Watson lives and works the Palmdale market every day. He pairs this listing with a free market analysis for your specific street, an honest read on the financing options that fit (FHA, VA, USDA, CalHFA, conventional, and assumable when the loan supports it), and a side-by-side compare against the rest of the active inventory in the area.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Palmdale home with as little as 3.5% down using an FHA loan — roughly $22,575 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
Assumable Loan — Lock In a Below-Market Rate＋
This Palmdale property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Palmdale, CA 93552 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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